Co-payments vary depending upon the policy that you have purchased. For members, details can be found inside the special terms and conditions of your policy. The special terms and conditions of your policy can be located inside your MiSanitas account under "my policy".
Prospective members can find more information on co-payments by clicking the "FAQ" tab on the respective policy page. You can also see an overview of our plans that have co-payments by clicking here.
Current co-payments for 2025 are listed below:
Sanitas Accede
Sanitas Accede is a basic outpatient plan designed to keep premiums low through a simple co-payment model.
Co-payment structure:
- Services 0–15: €5 per service
- Services 16 and beyond: €10 per service
- Diagnostic tests and therapies: €12
- Emergencies: €8
- High-frequency services (e.g., physiotherapy, oxygen therapy): €20
- Annual co-payment cap: €290 per insured
Sanitas Más Salud Óptima
This plan offers broad coverage with moderate co-payments, ideal for individuals who want flexibility and cost control.
Co-payment structure:
- Services 1–3: €4 per service
- Services 4–10: €7 per service
- Services 11–15: €10 per service
- Services beyond 15: €15 per service
- Dental services: €3
- High-frequency services: €20
- Complex diagnostic tests: €12
- Emergencies: €8
Sanitas Más Salud Plus
With wider coverage, this plan provides more free services upfront and a manageable co-payment scale thereafter.
Co-payment structure:
- Services 0–6: €0
- Services 7–10: €4 per service
- Services 11–15: €7 per service
- Services beyond 15: €10 per service
- Dental services: €3
- High-frequency services: €12
- Annual co-payment cap: €360 per insured
Sanitas Más 90 Plus
Aimed at those who use healthcare services frequently, this plan keeps co-payments low even with repeated use.
Co-payment structure:
- High-frequency services: €3.50 per service
- Other standard services: €5 per service
- Dental services: €3
Sanitas Avanza
Sanitas Avanza focuses on outpatient care, with a simple step-up co-payment system and no hospitalization coverage.
Co-payment structure:
- Services 1–6: €0
- Services 7–15: €5 per service
- Services beyond 15: €10 per service
- Urgent care: €8
- Diagnostic tests and surgical procedures: €12
- High-frequency services (e.g., physiotherapy): €20
- Annual co-payment cap: €350 per insured
Sanitas Profesionales Plus
Designed for self-employed professionals, this plan combines flexibility with a co-payment structure that benefits low to moderate use.
Co-payment structure:
- Services 0–6: €0
- Services 7–10: €4 per service
- Services 11–15: €7 per service
- Services beyond 15: €10 per service
